It seems like it's good and fair to repay people for the good they have done for us, but that's not actually how it's supposed to work. We're supposed to show love and kindness to everyone, not just those who have done or can do something for us. God loves every single person on earth. We can never repay Him for the debt we owe Him for sending His Son to save us from our sins. But we can show our gratitude by loving (with our words and actions) the people He loves (which is everyone!) and not showing favoritism. We owe everyone the debt of love.